行政管理風(fēng)險(xiǎn)管理課件

1、Administrative Controls/ Risk Management行政管理/風(fēng)險(xiǎn)管理Federal Reserve System第1頁，共18頁。Administrative Controls行政管理Human Resources 人力資源:Internal Controls 內(nèi)部控制Code of Ethics 道德規(guī)范Posted and read by employees 事先張貼并讓員工了解Signed by employee 員工簽署Risk Management 風(fēng)險(xiǎn)管理:Relationship between Insurance and Risk Manageme

2、nt 保險(xiǎn)與風(fēng)險(xiǎn)管理的關(guān)系第2頁，共18頁。Minimum Code of Ethics基本道德規(guī)范Formally written and acknowledged 正式書面文件并得到公認(rèn)Employee can understand the expectations of the bank 員工了解銀行的期望Safeguarding confidential information 保護(hù)機(jī)密信息Restrictions on outside activities 外部活動(dòng)限制Financial responsibility 支付能力Prompt payment of obligations

3、 債務(wù)的立即付款Level of debt to proposed salary 債務(wù)與工資水平比第3頁，共18頁。Acceptance of Gifts 接受禮品Conflicts of Interest 利益沖突Financial 財(cái)務(wù)方面Dealing with customers or vendors, etc.處理與客戶、賣者等的關(guān)系Drug Policy Penalties for Non-compliance 違規(guī)處罰Minimum Code of Ethics基本道德規(guī)范第4頁，共18頁。Human Resources - Internal Control Issues人力資源

4、：內(nèi)部控制問題Hiring and Pre-employment Screening 招聘與錄用前審查Training 培訓(xùn)Detailed Job Descriptions 詳細(xì)的崗位說明Employee Performance and Evaluation 員工績(jī)效考核與測(cè)評(píng)第5頁，共18頁。Pre-Employment Screening錄用前審查Evaluate the risk inherent in the position and check accordingly 評(píng)估崗位的內(nèi)在風(fēng)險(xiǎn)，并進(jìn)行相應(yīng)審查Verify references & prior employers 向推薦人

5、和前用人單位進(jìn)行核實(shí)Fingerprint Checks 指紋檢查Verify credit history 調(diào)查信用記錄Verify expatriate visas on management 調(diào)查以前是否曾被開除第6頁，共18頁。Training培訓(xùn)Are employees adequately trained and cross-trained? 員工是否受到充分培訓(xùn)和并進(jìn)行交叉培訓(xùn)？Do they understand their job function? And backup function? 員工是否了解其工作職能？以及輔助職能？Is training provided t

6、o enhance knowledge? 培訓(xùn)是否提高了員工的知識(shí)水平？第7頁，共18頁。Personnel Records人事記錄Detailed Job Description 詳細(xì)的職位描述Performance Reports 業(yè)績(jī)報(bào)告Stated Vacation Policy 明確的休假政策Written Personnel Policies 書面的人事政策Code of Ethics Received and Signed by all Employees 所有員工認(rèn)可并簽名的道德規(guī)范第8頁，共18頁。Risk & Insurance Management風(fēng)險(xiǎn)與保險(xiǎn)管理Defen

7、ses against loss 預(yù)防損失Internal Controls 內(nèi)部控制Policies & Procedures 方針與程序Emergency Preparedness 應(yīng)急準(zhǔn)備Contingency Planning 應(yīng)急規(guī)劃Records Management 記錄管理Risk Identification & Analysis 風(fēng)險(xiǎn)識(shí)別與分析Purpose of Risk Management 風(fēng)險(xiǎn)管理的目的第9頁，共18頁。Purpose of Risk Management風(fēng)險(xiǎn)管理的目的Minimize Cost of Pure Risk 將純粹風(fēng)險(xiǎn)成本降至最低Cos

8、t is defined as 成本定義為Cost of loss prevention measures, plus 預(yù)防損失采取的措施的成本，加Insurance premiums, plus 保費(fèi)，加Losses and expenses sustained, plus 持續(xù)損失與支出，加Administrative expenses, minus 行政支出，減Recoveries from 3rd parties 第三方補(bǔ)償?shù)?0頁，共18頁。Options for Treating Risk應(yīng)對(duì)風(fēng)險(xiǎn)的措施Implement additional controls 實(shí)施額外控制Tran

9、sfer the risk to another party 把風(fēng)險(xiǎn)轉(zhuǎn)移給他人Self-Insure 自保Discontinue the activity 中止經(jīng)營活動(dòng)Combination of the above 綜合采取上述措施Insurance with a major insurer 向大保險(xiǎn)公司購買保險(xiǎn)第11頁，共18頁。Basic Tenet of Risk Management風(fēng)險(xiǎn)管理的基本原則Potential for significant or catastrophic loss should not be retained if avoidable 對(duì)于可能造成重大或?yàn)?zāi)

10、難性損失的風(fēng)險(xiǎn)誘因，如可規(guī)避，就不要讓其繼續(xù)存在第12頁，共18頁。Conversely從反面說Its not cost justified to insure losses which are not severe or predictable-improve controls 不嚴(yán)重的、可預(yù)計(jì)的損失的發(fā)生不是合理成本加強(qiáng)控制第13頁，共18頁。Board of Directors Determines董事會(huì)決定The maximum loss the bank is able or willing to assume 銀行能夠或者愿意承擔(dān)的最大損失The insurance deducti

11、ble 扣除保費(fèi)第14頁，共18頁。Types of Insurance Coverage保險(xiǎn)類型Fidelity Bond 忠實(shí)保險(xiǎn)契約Combination Safe Depository 綜合保險(xiǎn)箱Directors & Officers Liability 董事與負(fù)責(zé)人的責(zé)任Fiduciary Insurance Coverage 信托險(xiǎn)Mortgage Errors & Omissions 抵押錯(cuò)誤Cash Letter Insurance 現(xiàn)金運(yùn)送險(xiǎn)General Liability 一般責(zé)任險(xiǎn)Fire Insurance 火險(xiǎn)第15頁，共18頁。Examination Objec

12、tives檢查目的Do risk management policies identify, control and mitigate risks? 風(fēng)險(xiǎn)管理方針是否能識(shí)別、控制并化解風(fēng)險(xiǎn)Are Boards guidelines for retention of risk reasonable? 董事會(huì)關(guān)于保留風(fēng)險(xiǎn)的指引是否合理Is significant or catastrophic loss covered? 重大的或?yàn)?zāi)難性損失是否得到補(bǔ)償Are record-keeping practices adequate? 記錄是否充分Is there corrective action when controls are deficient? 控制不完善時(shí)是否有整改措施第16頁，共18頁。What to look for?應(yīng)該關(guān)注的問題Is there a risk manager for risk control? 是否有專職風(fēng)險(xiǎn)管理官Does insurance coverage conform to Boards guidelines? 保險(xiǎn)范圍與董事會(huì)指引是否一致Is insurance schedule and coverage sufficient? 保險(xiǎn)安排